Insurance & Billing FAQs:

What Insurance Companies are you In Network with?

For Chiropractic Care, we are in network with the following insurance companies:

  • Blue Cross Blue Shield (BCBS)
  • Priority Health
  • PHP

Please note that we are not in network with Blue Care Network (BCN).

If you are interested in Functional Medicine or Mercier Therapy services, this is not a benefit covered by insurance. We will not bill your insurance for any services rendered in this capacity. You will be provided a receipt to submit to your insurance company if you would like to submit it on your own for reimbursement.

Do you accept HSA or Flex Spending cards?

Yes, we are able to accept HSA or Flex Spending Cards for copays or out-of-pocket costs not covered by insurance. You may also use these cards for most Functional Medicine and Mercier Therapy services.

What if you do not take my insurance, I don't want to use my insurance, or I don't have insurance? Am I still able to come in for treatment?

Of course! Our goal is to make our treatment affordable and accessible for everyone. You are also able to use HSA or Flex Spending accounts to pay for these services.

We can also provide you with a superbill which you can submit to your insurance for reimbursement if you have out of network benefits.

Will Dr. Osmer be able to answer my questions about my insurance benefits?

The doctor wants to focus on your health and helping you reach your goals. There are so many different insurance plans, that there just isn't an easy answer. However, we do have some resources for you!

If you are wondering what your benefits are before you even come in, please call your insurance and ask the questions found on this form: (Get To Know Your Insurance).

If you have any questions about a bill you got in the mail, please contact our medical biller:


517-676-9788 ext 207

How long does it take to get my bill in the mail?

Your visits are billed after each visit. However, it can take 4-6 weeks from the time of billing for your insurance company to process the claim.

Statements go out towards the end of each month to let you know if you do have a balance.

Therefore, it can take 6-8 weeks to get your first statement in the mail. Be patient! Remember, you can always call your insurance company to ask the status of the claim.

I got a bill in the mail, how do I pay it?

To pay your balance, you are able to do either of the following:

  • Using the instructions on the bill from our medical biller to pay via check or credit card
  • Contact our office to pay with credit card (please know the amount of your balance as we may not have that information available to us).

Insurance billing can be frustrating and confusing for everyone involved... the doctors, the patients, the people working at the insurance companies. You aren't alone if you feel this way! Hopefully the above resources can help you understand your insurance and allow you to use it with confidence. 

Things are changing all of the time, so stay up to date on your policy! If your policy changes or if you get a new address, please let us know the next time you are in.